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Personal loans in Long Island, KS

The Census estimates 134 residents in Long Island, which ranks it 461st of 625 places in Kansas. For a borrower among the roughly 134 residents of Long Island, a personal loan is a tool whose cost turns on the terms, not the address. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Long Island loan. Consumer lending that reaches Long Island's 134 residents is governed by Kansas statute; no city ordinance changes it. The trend for Long Island between 2020 and 2023 is downward by roughly 3.6%. The next larger city is Almena, KS about 10 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The Long Island data picture

Only a few things actually differ by place — population, area, location, and the Kansas rules a lender must follow — and they are below.

Steps to take before a Long Island loan

Before you hand your details to a lender in Long Island, where the population is near 134:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Check the Kansas regulator's records to confirm the lender is licensed here.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Test the payment against your current bills before you commit.
  7. Pick the shortest term whose payment you can comfortably afford.

What differs between Long Island and the rest of Kansas is not the process but the borrower's own file, among the 134 people here.

What Kansas law requires in Long Island

The rows below set out what a licensed lender must follow in Kansas, and so for Long Island's roughly 134 residents.

RuleDetailSource
State lending regulatorKansas Office of the State Bank Commissioner (OSBC)
Source says: "The Office of the State Bank Commissioner regulates all state-chartered banks, trust companies, mortgage businesses, supervised lenders, credit service organizations, earned wage access service providers, and money transmitters".		Kansas Office of the State Bank Commissioner
as of 2026-09-16
Maximum legal interest rate (usury cap)15% per annum (general contract-rate ceiling for written instruments)
Source says: "may stipulate therein for interest receivable ... at a rate not to exceed 15% per annum unless otherwise specifically authorized by law".		Kansas Office of the Revisor of Statutes
as of 2026-09-16
Payday lending statusPermitted under license (payday cash advances of $500 or less; charge capped at 15%)
Source says: "a licensed or supervised lender may charge an amount not to exceed 15% of the amount of the cash advance".		Kansas Office of the Revisor of Statutes
as of 2026-09-16

Long Island: area, density and distance

The Census Gazetteer records about 0.4 square miles of land within Long Island, with no significant water area listed. The resulting density is about 326 people per square mile. Wichita, the largest place in Kansas, is about 195 miles from Long Island. Counting outward 50 miles, 34 larger communities surround Long Island. Within the same 50 miles lie 27 smaller Census places.

Borrowing reach in Long Island

Long Island is lightly settled, with about 326 people per square mile and 34 larger places within 50 miles. Distance to a branch rarely matters for Long Island's 134 residents: the application is online and the price follows your credit file. The nearest larger city, Almena, KS about 10 miles away.

What a Long Island borrower is actually offered

A Long Island personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 134 residents. Two numbers drive a Long Island loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Long Island loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Long Island if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Long Island is the same as anywhere in Kansas.
What loan size can I expect in Long Island?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Long Island?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Long Island cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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